If you missed the scheduled departure of your pre-booked cruise from Australia due to:

•  An accident involving your means of transport

• The cancellation, delay or diversion of your scheduled transport caused by riot, strike or civil commotion, but only those expenses that You cannot claim from someone else.

• A Natural Disaster. (This is only applicable if you have purchased the Natural Disaster upgrade option and this is shown on your Policy Schedule. This does not include those that were known at the time of purchasing this insurance.)

 Silver and Gold Cruise travel insurance policy^ customers will be paid up to the amount shown in the Table of benefits for reasonable and necessary additional travelling expenses incurred after you leave your home address in Australia, that are over and above what you had originally budgeted to pay and are needed to continue with your original itinerary.

Yes, Our Gold and Silver policies provide coverage for your reasonable additional travel and accommodation expenses if you are unexpectedly forced into quarantine during your trip as a result of being diagnosed with COVID-19. We cannot provide cover if you are forced into quarantine for any other reason other than you being diagnosed with Covid-19.

No, our policies do not cover any claims arising from border closures, or any other claims relating to any government travel bans, “Do not travel” warnings; or mandatory quarantine or self-isolation requirements related to cross-border, region or territory travel.

If your airline is not allowing you to travel because you have been diagnosed with COVID-19 before flying, our Silver and Gold policies can cover you up to $5,000 (Gold policies) in the event you need to cancel or amend your trip.

We cannot provide cover if, for any other reason related to COVID-19, the airline refuses you to board. This includes if you are designated as a close contact, there are border closures or you do not meet the vaccination requirements.

You are covered for the non-recoverable costs if you are diagnosed with COVID-19 and therefore you are unable to participate in your scheduled tour or activity.

We cannot provide cover for any other reason that the tour provider cancels your trip. This includes if you are designated as a close contact, there are border closures, the tour provider goes into liquidation, or you do not meet the vaccination requirements.

No, you are not covered for any costs as a result of being identified as a close contact of a COVID-19 positive case. 

Yes, if either yourself or a travelling companion become diagnosed with COVID-19 before your trip and need to cancel, we can cover you for this event. We may also cover you for cancellation before your trip begins if a close relative has been diagnosed with COVID-19 and it’s considered life-threatening. As always though, please refer to our PDS for complete product information regarding this.

Provided you have bought your policy prior to any positive result or test and the same COVID-19 sickness makes you cancel your trip and you cannot recover on time for your trip, you are eligible to make a claim. However, you still need to try to secure refunds and credits for your trip so we can consider settlement for the remaining.

As of the 1st of July 2016, Norfolk Island is a part of Australia. To be covered for travel to this area, please select your destination as “domestic”.

To clarify, there is no cover for any medical illness, injury and medical repatriation for domestic trips.