Cruise Travel Insurance - How To Save 15% On Insurance

These days, buying travel insurance is an essential part of organising a successful, stress-free holiday. And if you're planning a vacation at sea, a comprehensive cruise travel insurance policy will give you peace of mind, knowing you're covered for any unexpected events during your getaway.

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Cruise Insurance

Cruise travel Insurance is an essential expense you should not miss before setting sail! In this guide we look at the best options in Australia.

  • 19/ 20
    Cover More Cruise Cover
  • 18/ 20
    Freely Cruise Insurance
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    InsureAndGo Cruise Cover
  • 17/ 20
    FastCover Cruise Insurance
  • 18/ 20
    TID Cruise Travel Insurance


  • Plenty of deals available
  • Discounts of up to 15% for cruise insurance
  • Extensive cover options


  • Make sure to read the PDS

Our Top 5 Cruise Insurance Providers:

  1. Cover•Moreclick here to check out their cruise travel insurance cover.

  2. Freelyclick here to check out their cruise cover (tip: use code FLIGHTHACKS15 for a 15% discount).

  3. InsureAndGoclick here to check out their cruise insurance cover (tip: use code HACKS10 to get 10% discount).

  4. FastCoverclick here to check out their cruise cover.

  5. TIDclick here to learn more about their cruise cover.

Although travel insurance isn’t compulsory, why not spend a little extra to help eliminate any worries or doubts about things going wrong while you’re away? We’ve all heard horror stories about medical evacuations and missing luggage!

When it comes to cruising, the primary purpose of travel insurance is to cover financial risks associated with unforeseen circumstances. So whether you’re venturing off on a luxurious voyage around the world or enjoying a weekend getaway closer to home, having the correct type of insurance ensures you’re not left out of pocket due to unanticipated disruptions or emergencies.

Keep reading for our guidance on cruise travel insurance and how doing your research into the different cruise insurance policies — and what they cover you for — will give you protection and assurance while you’re at sea.

What is Cruise Travel Insurance?

Cruise travel insurance is a specific insurance policy designed to provide financial protection for travellers on a cruise. An essential component of any cruise vacation plan, this type of insurance cover helps mitigate the risks associated with unexpected events, such as illness, injury, or cancellations.

When selecting a cruise travel insurance policy, it’s crucial to make sure you’re covered for the necessary aspects of your getaway so that if anything goes wrong, you’re not left stranded or out of pocket. Things to look out for include coverage for medical expenses, emergency evacuation, trip cancellation, and coverage for your luggage and personal belongings.

As with any insurance policy, reading and understanding the Product Disclosure Statement (PDS) is important to ensure coverage is right for you. This will also help you to identify any exclusions or conditions that may apply.

When you’re looking to purchase cruise cover, a key element to consider is the policy’s level of medical coverage. Since cruises often visit remote locations with limited medical facilities, ensuring the policy has adequate coverage for medical expenses and emergency evacuations is vital. In some cases, policies may also include additional benefits tailored to cruise holidays, such as missed port departures or onboard credit reimbursement due to itinerary changes.

Besides medical coverage, ensuring the policy has sufficient coverage if you need to cancel your holiday is also invaluable. Unforeseen circumstances, such as a sudden illness or a family crisis, can cause you to cancel your trip. In this situation, you can save thousands of dollars if you have the right cruise travel insurance policy covering non-refundable expenses.

It’s also important to understand the policy’s conditions, including any pre-existing medical conditions. Some insurance policies may have specific terms and requirements for covering pre-existing conditions. You must be aware of these to select the best travel insurance policy for your needs. Failure to disclose pre-existing conditions may result in the claims process being delayed or denied.

Understanding cruise travel insurance is essential for anyone planning a cruise getaway. By selecting the right insurance policy for your vacation, you can relax knowing that you’re protected should anything unexpected occur while you’re away.

Cruise Travel Insurance for Australians

Australian travellers planning a cruise in Australia or overseas are advised to shop around for the best cruise travel insurance to suit their requirements. When looking for travel insurance in Australia that specifically covers cruises, there are several factors to consider. Each insurance provider has various plans with differing inclusions and exclusions. Most insurance policies encompass medical emergencies, trip cancellations, baggage loss, and public liability. However, it’s important to choose the best plan for the unique components of your cruise.

Cruise cover is a vital investment that ensures peace of mind while embarking on an unforgettable cruise adventure. After the time and effort spent researching and planning your getaway, a tailored insurance policy will allow you to sit back and enjoy your cruise, knowing that you’re adequately protected against unforeseen events and out-of-pocket expenses.

Why You Need Cruise Insurance

In recent years, domestic and international travel has been severely disrupted by COVID-19. And now that things are back up and running, Australian travellers are treating travel insurance as more of a necessity than an add-on. The cruise industry has also experienced its fair share of setbacks, so whether you’re heading off on a domestic or an international cruise, having the right cruise travel insurance can make all the difference. Things that your cruise travel insurance policy should cover include:

Medical Emergency: Cruise insurance is crucial for travellers who want to be prepared for any unforeseen medical issues that might arise while cruising. Given the limited medical facilities onboard a cruise ship, it’s critical to have adequate medical coverage. In a medical emergency, evacuation by helicopter may be necessary, which can be costly without insurance. Medical expenses on a cruise can be extremely high, and many domestic health insurance plans, including Medicare, may not cover costs incurred on a cruise ship. For this reason, having separate medical cover through cruise insurance can save you significant financial costs.

Trip Cancellation: Unforeseen circumstances can lead to trip cancellations or delays. Cruise-specific travel insurance will ensure you’re covered if your holiday has to be cut short or postponed due to illness, accidents, or unexpected events.

Baggage Loss: Cruise travel insurance can also compensate for luggage damage, loss, or theft of personal items during your journey. However, assessing the limits and scope of each policy’s coverage is essential, as some may have specific exclusions related to high-value items.

Public Liability: In the unfortunate event of an accident or injury caused by you, cruise travel insurance can cover legal liability, medical expenses, and compensation claims.

Cabin Confinement: Cruising can come with its own unique risks, such as the potential for cabin confinement due to illness or quarantine precautions. If you fall ill while on a cruise and cannot leave your cabin, your vacation enjoyment is significantly reduced. Cruise insurance ensures you are compensated for lost travel days due to cabin confinement, allowing you to plan another getaway without financial loss.

Missed Port and Shore Excursions: Cruise travel insurance also covers you in the event of missed port or shore excursions due to unforeseen circumstances like weather conditions or mechanical issues with the ship. Missing these experiences can cause disappointment and financial loss, but with cruise insurance, you’ll have peace of mind knowing you’ll be reimbursed. This means you can enjoy your cruising experience without constantly worrying about potential disruptions.

Potential Exclusions: While you need to understand what’s in your travel insurance policy, it’s also crucial to understand what’s excluded, as some insurers may not cover all aspects of cruising. For instance, domestic cruise insurance may have different limits and exclusions compared to international policies. When comparing travel insurance policies for cruises, be sure to check the coverage for offshore excursions, as some policies might be confined to specific activities or have limitations on the distance you can be from the vessel. Additionally, to avoid unpleasant surprises, make sure you verify if pre-existing medical conditions are covered. By being aware of the exclusions in your policy, you can make an informed decision on the best coverage for you.

Who Should Buy Cruise Travel Insurance?

Insurance for Families

Cruise travel insurance is important if you’re planning a cruise with your loved ones. And it’s important to select an insurance policy that covers all members of the family — coverage for the children and the seniors as well. When you’re travelling, and you’re far from home, you want to be able to access the best medical care should one of your children fall ill or hurt themselves; the same goes for the older members of your family, too. Many insurers offer tailored travel insurance policies for families, which may include:

  • Overseas medical expenses: Covers costs associated with medical treatment for illness or injury while on the cruise and the cost of emergency transport.

  • Trip cancellation or interruption: Reimburses unused travel expenses, such as accommodation expenses, if a vacation is cancelled or cut short because of illness or injury.

  • Baggage and personal belongings: Protects against loss, theft, or damage of luggage and personal items throughout your journey.

When choosing a family policy, it’s also imperative to check age limits, as some providers accommodate children up to a specific age, usually 17 or 18 years old.

Cruise Travel Insurance for Seniors

Seniors love their cruises! Adventurous retirees make up a significant demographic in the cruising industry. However, due to the higher risk associated with age, some insurers have age limits on their travel insurance policies. The good news is that some insurance providers have cruise insurance policies specifically for seniors due to the popularity of domestic and international cruises with Australian retirees. This type of cruise coverage can include:

  • Pre-existing medical conditions: Covers the policyholder for medical emergencies related to their pre-existing medical conditions (subject to an assessment with a medical practitioner and prior approval).

  • Emergency medical evacuations: Provides transportation to the nearest hospital — or back home if necessary — due to severe illness or injury.

  • Travel delays: Covers additional expenses for meals and accommodation if the cruise is delayed for a reason covered in the policy.

If you’re a senior, it’s essential to carefully read the policy terms and conditions related to age restrictions and pre-existing medical conditions. This will ensure you get comprehensive coverage that aligns with your needs, allowing you to set sail stress-free.

Cruises in Specific Regions

Cruising in Australian Waters

Cruising in Australian waters is a popular holiday choice for international visitors to Australia and a popular getaway for locals, too! Domestic cruising is an excellent way to explore Australia’s diverse regions and cities. When considering cruise travel insurance, verifying that the policy covers medical expenses, trip cancellation fees, and any optional shore excursions you’ve booked is essential.

If your cruise remains within Australian waters, you may find that your existing private health insurance covers some unexpected medical expenses. However, purchasing a separate cruise travel insurance policy is still recommended to ensure comprehensive coverage while you’re on board.

South Pacific Cruises

The South Pacific region attracts countless visitors with its beautiful islands, turquoise waters, and vibrant cultures. Popular destinations for cruises in this region include New Caledonia, Fiji, and Vanuatu.

However, due to the international nature of South Pacific cruises, make sure your cruise insurance covers medical evacuation, trip cancellation fees, and any specific activities you plan to participate in, such as diving or water sports. It’s also crucial to consider any potential weather risks, as the South Pacific experiences cyclone season from November to April. Remember when researching insurance policies for South Pacific cruises — cruise cancellations or itinerary changes due to severe weather should be critical inclusions in your coverage.

New Zealand and Indonesia Cruises

New Zealand and Indonesia cruises offer travellers unique experiences, ranging from the picturesque landscapes of New Zealand to the pristine beaches and vibrant cultures of Indonesia. However, as these cruises venture into international waters, you must ensure that your cruise travel insurance covers all relevant aspects of your journey.

In addition to medical and trip cancellation coverage, you should consider each destination’s specific needs and risks. This may include coverage for adventure activities, such as trekking or snorkelling, and depending on the time of year you plan to travel, you might also need to consider weather-related risks. Choosing a cruise insurance policy that meets all the unique requirements of cruising in these regions will give you confidence and peace of mind.

Rest of the World

Cruises are a popular way to see the world. No matter the destination, there’s bound to be a cruise ship — big or small — to get you around. Cruising hotspots include Alaska and Antarctica, Europe and the Mediterranean, South America and the Caribbean, Asia, the USA and Canada.

When considering your international travel insurance for your cruise, it’s important to note that insurance policies may cover a particular region rather than the individual countries that you visit on your journey. This means it’s imperative to check with your travel insurer if you need different travel insurance for different regions. So whether you’re enjoying a river cruise in Europe, cruising the blue waters of the Caribbean, or docking at the vibrant ports of Asia, asking the right questions ensures you’re fully protected for the whole journey.

Different Types of Cruise Insurance

The right cruise travel insurance is imperative for a worry-free vacation on the high seas. This section of our Cruise Travel Insurance guide discusses different cruise insurance policies for you to investigate when planning your getaway. Whether you choose a domestic cruise or plan to set sail in international waters, these types of insurance cover offer unique benefits and protection for Australian travellers.

Domestic Cruise Travel Insurance

Domestic cruise travel insurance specifically caters to cruises sailing within Australian waters. These policies often cover onboard incidents, cancellations, and delays, ensuring a seamless and enjoyable cruising experience. Key aspects of domestic cruise travel insurance include coverage for:

  • Medical emergencies incurred within Australian waters and ports

  • Trip cancellations and delays due to unforeseen circumstances

  • Loss of luggage, travel documents, or personal belongings

  • Legal expenses arising from incidents during the cruise

It’s worth noting that some travel insurance providers may offer dedicated cruise travel insurance as an add-on to their standard domestic policies. This option is beneficial if you already hold a regular travel insurance plan and wish to extend your coverage to include cruises. Remember to verify the terms and conditions to make sure the add-on policy covers all the aspects of a cruise.

It’s also important to note that domestic cruise travel insurance doesn’t typically include comprehensive overseas medical coverage. So, if you’re stopping in the South Pacific or venturing on international voyages, consider obtaining international travel insurance to ensure you’re adequately covered for medical emergencies abroad. Read on for more information on the type of cruise insurance you need for an international cruise.

International Cruise Travel Insurance

Travel insurance is a must if you’re planning to take an international cruise. Organising an international getaway is a big undertaking, and you want to avoid being caught out when you’re far away from home. Taking out a cruise insurance policy for an international cruise means you won’t be left out-of-pocket for any unforeseen events.

The number one reason people take out travel insurance for an overseas holiday is medical cover, which includes things like hospital visits, doctor’s fees, or prescription drugs. It also covers medical expenses incurred while ashore in port cities. A cruise insurance policy that includes emergency medical evacuation is vital for international cruises, for if you become seriously ill or injured on a foreign shore and need to be transported back to Australia for further treatment, your insurance will help pay the necessary costs.

International cruise travel insurance policies will also cover flight cancellations and delays, lost or stolen luggage, and missing passports. When considering which insurance policy to purchase, it’s essential to research the customer service and claims process of potential travel insurers to ensure you’re comfortable with their offerings before you proceed. And make sure you compare their emergency assistance services, too. The reassurance you get knowing that you have an experienced team of professionals on hand for expert advice and assistance in the event of a crisis is priceless!

Cruise Travel Insurance with COVID Cover

In light of the COVID-19 pandemic, cruise travel insurance with COVID-19 cover has become an increasingly popular choice among cruisers. This type of policy covers COVID-19-related disruptions and health issues while you’re on the ship or docked at ports. This type of coverage extends to:

  • COVID-19 testing and treatment costs, if diagnosed during the cruise

  • Trip cancellations or delays due to COVID-19 outbreaks or government restrictions

  • Quarantine expenses or additional accommodation costs if affected by the virus

Health insurance policies may not cover COVID-19 expenses for cruise passengers, so it’s worthwhile shopping around for cruise travel insurance with COVID-19 cover. During these uncertain times and disruptions to travel, you’ll have peace of mind knowing that you enjoy additional insurance coverage.

Understanding Policy Conditions and Exclusions

When considering cruise travel insurance, it’s critical to understand the policy conditions and exclusions so that you’re adequately covered during your trip. By thoroughly researching your options and carefully reviewing the product disclosure statement (PDS), you can make an informed decision about the travel insurance plan and the level of coverage that is right for you.

One crucial aspect to consider is pre-existing medical conditions. Many insurance providers have specific terms surrounding coverage for pre-existing conditions. Insurers may require you to disclose your medical history or obtain a medical assessment before they agree to cover you. Disclosing any relevant information is essential, as failure to do so might result in your insurance being deemed invalid.

Another important factor is the target market determination (TMD), which explains which consumers the policy is designed for. This document can help you understand if the insurance product suits your circumstances, such as age and travel plans. Be sure to check for any eligibility requirements and coverage limits, as they might vary between policies.

In addition to medical conditions, policy exclusions also apply to other areas of travel insurance coverage. Some examples of standard exclusions include:

  • High-risk activities: Adventure sports like scuba diving or bungee jumping may not be covered without additional coverage or higher premiums.

  • Unattended belongings: If your personal items are stolen while left unattended, your policy may not cover the loss.

  • Travel advisories: Insurance providers often exclude coverage for destinations with travel warnings issued by the Australian government.

Key Points to Look for in a Policy

Emergency Assistance

When looking for cruise travel insurance, finding a policy that has comprehensive emergency assistance is essential. This should include 24/7 access to a support team that can give guidance in case of accidents, illnesses, or other travel disruptions while you’re away. Ensure that the emergency assistance covers medical and non-medical situations, as you may require help with lost luggage, missed connections, or travel document issues.

Travel Insurance Cover for Destinations

Another crucial aspect of cruise travel insurance is the cover for destinations visited during your cruise. It’s important to read the policy carefully, as some insurers may not cover specific regions or countries. Additionally, due to the mobile nature of a cruise ship, it’s critical to ensure your insurance has coverage for all the destinations on your itinerary. This includes any pre- and post-cruise travel plans.

Medical Costs Limit

Medical cost limits are another vital feature to look for in a potential cruise travel insurance policy. Due to the possibility of onboard medical emergencies, it’s vital to ensure that the policy has adequate coverage for any hospital expenses and treatment that may be required. When evaluating your policy, consider these factors:

  • Medical Costs: Ensure that the policy covers onboard medical treatments, hospital expenses, and costs related to pre-existing medical conditions.

  • Medical Evacuation: In case of a medical emergency, your policy should also cover the cost of medical evacuation from the cruise ship to a suitable medical facility.

  • Repatriation: When required, the policy should cover expenses related to repatriation, enabling you to return home safely.

Loss and Damage Coverage

And finally, let’s look at what Loss and Damage Coverage means when it comes to a cruise insurance policy. This type of coverage protects you against the financial implications of losing or damaging your belongings while you’re away.

One of the primary aspects of this coverage is luggage and personal effects. So, if your luggage is lost, damaged, or delayed, the insurance policy will reimburse you for the cost of replacement or repair. This also applies to personal items like cameras, jewellery, and clothing. Just make sure you understand the limits and exclusions of your policy and the level of coverage, as there might be a cap on the reimbursement amount or specific items that aren’t covered.

Another critical component of Loss and Damage Coverage is lost deposits. If you need to cancel or interrupt your cruise due to unforeseen circumstances — such as a medical crisis or a family member’s illness — the policy will reimburse the lost deposits and any other prepaid, non-refundable expenses. This means you can recover some of the financial loss you may incur due to trip cancellation or interruption.


Reimbursement is another important aspect to consider when selecting a cruise travel insurance policy. The policy should have a clearly defined reimbursement process in place that’s easy to understand and navigate. You also need to make sure that you’re aware of any excess fees that might apply if you make a claim, as fees can vary between policies.

So when you’re choosing a cruise insurance policy, it’s imperative to keep the above key points in mind. By taking the time to understand your policy and its coverage, you’ll be able to confidently prepare for your international cruise with the assurance that you’re protected against unforeseen incidents and emergencies.

How to Get a Quote for Cruise Ship Travel Insurance

Where to start with finding the right travel insurance policy for your cruise? Although it might seem like an overwhelming task, these simple steps will help you easily obtain a quote for cruise ship coverage:

  1. Research potential providers: Browse various insurance providers that offer travel insurance tailored explicitly to cruise holidays. Keep in mind the features and benefits you’re looking for, such as medical coverage, trip cancellation, and lost or stolen luggage.

  2. Compare quotes: Once you’ve shortlisted a few providers, visit their websites or call their customer service team to request a personalised quote. Make sure to give them information about your holiday, such as the destinations you will visit, the duration of your trip, and the number of travellers who will be going. It’s important to research several insurers to compare policy inclusions and determine whether you can save money and purchase coverage at a cheaper price.

  3. Consider your travel needs: When evaluating quotes, consider how the policy meets your requirements. Insurers usually offer different levels of cover, with comprehensive insurance generally being the highest. Some factors to consider include the maximum coverage amounts, deductibles, and pre-existing medical conditions.

  4. Review inclusions and exclusions: Carefully review the policy details to understand what’s included in the insurance coverage and what’s excluded. Some policies may exclude specific activities or destinations, which can impact your cruise experience.

  5. Choose a policy: After thoroughly considering all options, select a policy with the best balance between price and coverage.

By following the steps above, you can confidently choose the right cruise ship travel insurance for your upcoming adventure, ensuring peace of mind and protection throughout your journey.

The Best Cruise Travel Insurance in Australia

When planning your cruise vacation, you’ll be looking for the best cruise travel insurance in Australia. This type of insurance provides financial protection in case of unforeseen circumstances such as trip cancellation, medical emergencies, or loss of personal belongings while you’re on your cruise. In this section, we briefly discuss some of the top cruise travel insurance options with COVID-19 cover in Australia.

  1. Cover-More Travel Insurance: Renowned for its reliable services, Cover-More has specialised cruise ship travel insurance that safeguards travellers against onboard medical emergencies and evacuations. Additionally, their policies cover trip cancellations, lost or stolen luggage, and other unexpected events. Cover-More’s travel insurance policies also include COVID-19 cover, ensuring cruisers have the necessary protection in case of illness or disruption.

  2. Freely: Freely has comprehensive international cruise travel insurance with a variety of options designed to suit the requirements and budgets of cruisers. Their policies cover medical expenses, cancellations or interruptions, loss of luggage, and personal liability. Freely also includes COVID-19-related coverage for policyholders.

  3. InsureandGo Travel Insurance: InsureandGo’s cruise travel insurance has extensive coverage for Australian cruisers, including trip cancellation or curtailment, medical and dental expenses, and luggage loss or theft. InsureandGo also provides COVID-19 cover, making it a strong contender for those seeking the best cruise travel insurance with COVID-19 coverage.

  4. Fast Cover Travel Insurance: Aimed at offering a tailored travel insurance experience, Fast Cover presents a range of options for cruise travellers. They have medical and dental coverage, holiday cancellation or interruption, lost luggage protection, and personal liability cover. Fast Cover’s policies also include coverage for COVID-19-related incidents.

Top Cruise Travel Insurance Discount Codes

These are the top cruise travel insurance coupons for Australian cruisers. You can try them all to see which ones work!

⏰ Discount Code Details🤑 Discount Code Amount🏷 Discount Code
Get 15% discount with Travel Insurance Direct15% offFLA***
Get 15% discount with TID10% offFH**
5-10% off TID5-10% offTID**S

When researching the best cruise travel insurance in Australia, it’s essential to carefully consider the features of each policy to ensure a nice and relaxed cruise experience. Make sure you also research each insurance company, their reviews and reputation, and select the best cruise travel insurance based on your preferences, budget and the type of coverage you need.

Next, we’ll look at two big Australian names and their travel insurance offerings.

Australia Post Cruise Travel Insurance

Australia Post has cruise travel insurance designed to cover various aspects of your cruise. The Australia Post insurance plan lets you relax, knowing you’re protected for unforeseen circumstances.

Some key features of Australia Post cruise travel insurance include:

  • Medical Cover: Comprehensive coverage for onboard and offshore medical expenses, including emergency medical evacuation and repatriation.

  • Cancellation Cover: Protection against unforeseen cancellations or interruptions, including reimbursement for missed ports of call and other prepaid expenses and cancellation costs.

  • Baggage and Personal Effects: Coverage for loss, theft or damage to personal belongings while on the cruise, with individual item limits to protect high-value items.

  • Personal Liability: Protection against legal liability for accidental injury or damage caused to a third party during the vacation.

Australia Post cruise travel insurance has multiple coverage tiers, enabling travellers to choose the level of protection that’s best for them. Insurance policies can be individually tailored, with options for single travellers, couples, families, and groups.

When you choose Australia Post cruise travel insurance, you also get access to their 24/7 emergency assistance helpline, which means their customer support team will be on hand to support and guide you during a crisis while you’re away.

With Australia Post cruise travel insurance, you not only get to choose from a range of cover options that cater to various budgets and needs, but you can also relax knowing that help is just a phone call or email away. With their comprehensive protection covering medical expenses, cancellations, and personal belongings, travel insurance with Australia Post means you can confidently head off on your cruise, knowing you’re well protected.

Qantas Cruise Travel Insurance

Qantas also sells travel insurance for those heading off on a cruising holiday. Qantas Cruise Travel Insurance is designed specifically for cruises and has comprehensive coverage that caters to the unique needs and risks associated with cruise travel. Qantas understands the distinct challenges that cruise passengers may face and addresses them accordingly in their cruise travel insurance policies.

You can learn more here:

So, let’s take a look at what’s on offer with one of Australia’s most well-known brands. If you choose to go with Qantas cruise cover travel insurance, you’ll get coverage for expenses arising from medical emergencies, evacuations, lost or damaged luggage, cancellations, and travel delays.

Additionally, Qantas has a team on standby 24/7 to help you out if you get into trouble. As part of your Qantas travel insurance, you’ll have access to their 24-hour emergency assistance hotline for prompt support and advice should any issues arise during your cruise. This invaluable resource gives policyholders quick and efficient solutions to crisis situations, helping to alleviate some of the stress and overwhelm when things go wrong.

Qantas Cruise Travel Insurance has various coverage levels, so you can choose a plan that best suits your budget and requirements. Browse and compare the different options to find an insurance plan with the desired level of protection for your cruise. With its tailored coverage, 24-hour emergency assistance, and flexible plans, selecting Qantas Cruise Travel Insurance means you can confidently set sail knowing you’re well-protected and supported against the unexpected.

Benefits of Comprehensive Cruise Insurance

These days, comprehensive cruise insurance is an essential component of planning a carefree holiday. With the disruptions to travel over the past few years, being prepared for delays, cancellations, or health issues will help remove any additional worries. Being covered for unforeseen events provides a well-rounded safety net for travellers. In this section, we’ll discuss the benefits of comprehensive cruise insurance.

One of the primary benefits of comprehensive cruise insurance is the peace of mind it grants travellers. There’s no need to be concerned about unexpected issues such as illness, trip cancellations, or lost baggage, as your insurance will address these potential problems. This means you can focus on enjoying your cruise without being overly concerned about what could go wrong.

Another benefit is 24-hour emergency assistance. With comprehensive cruise insurance, you can sleep easy knowing that help is available around the clock in case anything goes wrong. This includes lost baggage, cancelled flights, and medical emergencies, including support for evacuation home if necessary. So, reduce the stress and worry by taking out cruise insurance with this type of emergency assistance — the guaranteed quick response means you can sit back and enjoy your cruise without thinking about what could go wrong.

Comprehensive cruise insurance also offers benefit limits to cater to the specific needs of travellers. Benefit limits can vary based on individual policy requirements for things such as medical expenses, trip cancellations, and lost or damaged personal items. The flexibility in coverage allows you to select a policy that matches your requirements, ensuring that you don’t pay for unnecessary or irrelevant benefits.

By opting for a comprehensive cruise travel insurance policy, you can enjoy a worry-free and enjoyable cruise knowing that you’re covered in the event of a crisis — no matter how big or small — and that help is at hand if you need it.

Cruise Travel Insurance Conclusion

Before you head off on your cruise, it’s crucial that you do your homework. Research each travel insurance company and compare their policies. By studying insurance policy inclusions and exclusions and how they best suit the requirements of your dream cruise holiday, you’ll be prepared for a carefree adventure in no time!


Frequently Asked Questions

Cruise travel insurance typically covers various aspects of a vacation, including cancellations, medical emergencies, evacuations, lost or stolen luggage, and delays. Specific coverage may vary depending on your chosen insurance provider and the particular policy, but it generally aims to protect you from unforeseen circumstances that may arise during your cruise. Yes, seniors are eligible for cruise travel insurance. However, seniors may face higher premiums or additional terms due to factors like age and pre-existing medical conditions. It's recommended that seniors thoroughly research different insurance companies and policies to find the most appropriate coverage for their needs and circumstances. COVID-19 has significantly impacted the travel industry, including cruise travel insurance. Many insurers have introduced exclusions for claims related to COVID-19, while others have included coverage for COVID-19-related issues such as cancellations and medical expenses. Some insurance providers have specific coverage for COVID-19-related issues, including cancellations, medical expenses, and quarantine costs. Travellers should carefully review their chosen policy's terms and conditions to ensure they have adequate protection against COVID-19-related risks. While travel insurance is not legally required for Australian cruises, it's highly recommended to protect you against the unexpected while you're on holiday. Even on domestic cruises, you could encounter medical emergencies, cancellations, or lost bags and personal belongings. Having appropriate travel insurance in place gives you peace of mind and financial protection should these unforeseen events occur. Several companies offer cruise travel insurance in Australia. Notable travel insurance providers include but are not limited to Australia Post, Allianz, Cover-More, World Nomads, Qantas, Fast Cover and InsureandGo.
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What is typically covered by cruise travel insurance?

Cruise travel insurance typically covers various aspects of a vacation, including cancellations, medical emergencies, evacuations, lost or stolen luggage, and delays. Specific coverage may vary depending on your chosen insurance provider and the particular policy, but it generally aims to protect you from unforeseen circumstances that may arise during your cruise.

Are seniors eligible for cruise travel insurance?

Yes, seniors are eligible for cruise travel insurance. However, seniors may face higher premiums or additional terms due to factors like age and pre-existing medical conditions. It's recommended that seniors thoroughly research different insurance companies and policies to find the most appropriate coverage for their needs and circumstances.

Can COVID-specific insurance be purchased for cruises?

COVID-19 has significantly impacted the travel industry, including cruise travel insurance. Many insurers have introduced exclusions for claims related to COVID-19, while others have included coverage for COVID-19-related issues such as cancellations and medical expenses. Some insurance providers have specific coverage for COVID-19-related issues, including cancellations, medical expenses, and quarantine costs. Travellers should carefully review their chosen policy's terms and conditions to ensure they have adequate protection against COVID-19-related risks.

Is travel insurance necessary for Australian cruises?

While travel insurance is not legally required for Australian cruises, it's highly recommended to protect you against the unexpected while you're on holiday. Even on domestic cruises, you could encounter medical emergencies, cancellations, or lost bags and personal belongings. Having appropriate travel insurance in place gives you peace of mind and financial protection should these unforeseen events occur.

Which companies offer cruise travel insurance in Australia?

Several companies offer cruise travel insurance in Australia. Notable travel insurance providers include but are not limited to Australia Post, Allianz, Cover-More, World Nomads, Qantas, Fast Cover and InsureandGo.